Commercial Real Estate Financing in Tennessee: How to Acquire Property With Just 5%–10% Down
Commercial Real Estate Financing in Tennessee: How to Acquire Property With Just 5%–10% Down
Commercial Real Estate Financing in Tennessee: How to Acquire Property With Just 5%–10% Down
Trying to acquire a commercial property in Tennessee but short on capital? We structure full-stack real estate financing with construction loans, mezzanine capital, and equity investors — so you only need 5%–10% of the project value in cash.
Financing commercial real estate in Tennessee is competitive. Between land acquisition, development, permitting, and construction, the capital requirements can be steep. If you’re relying on traditional bank loans or planning to bring all the equity yourself, you’re tying up too much capital — or worse, losing out on deals entirely.
At Financely, we help you flip the script. Through our platform, we structure layered capital solutions that dramatically reduce your upfront investment and align the right lenders and equity partners around your project.
What Makes Tennessee Attractive for CRE Right Now?
Fast-growing metros like Nashville, Chattanooga, and Knoxville
Strong demand for multifamily, industrial, and healthcare assets
Developer-friendly permitting and land availability in secondary markets
The fundamentals are there — what most sponsors lack is a creative capital structure that doesn’t require writing a seven-figure check upfront.
How We Structure CRE Deals Through Financely
We combine three sources of capital into one seamless structure:
Construction Loan (60%–70% LTV):
Senior debt provided by commercial banks or private lenders, backed by the project's development budget and appraisal
Mezzanine Loan (10%–20% of capital stack):
Subordinated debt layered behind the construction loan — fills the gap and accelerates execution
Equity Partner (15%–30%):
We introduce capital partners via Reg D private placements who co-invest in the deal alongside you
Your contribution? As little as 5%–10% of total project costs — often covered by land value, entitlements, or early-stage prep work.
Example: $12M Hotel Conversion in Nashville
Sponsor sources a $12M hotel redevelopment project in East Nashville. They’ve lined up entitlements and an operator, but only have $900K in liquidity.
We structured the deal as follows:
Capital Source
Amount
Type
Construction Lender
$8.4M
Senior Debt
Mezzanine Fund
$1.8M
Subordinated Debt
Equity Investor (via Reg D)
$900K
Preferred Equity
Sponsor
$900K
Co-invest
Deal closed in 45 days. Sponsor retained management rights, received a promote, and preserved capital for their next acquisition.
What You Need to Qualify
A commercial asset or development opportunity in Tennessee
Land control or signed LOI with seller
Basic underwriting (budget, pro forma, timeline)
5%–10% in liquidity or equivalent value contributed (land, entitlements, etc.)
Why Financely Works for Developers and Sponsors
We bring capital to the table — not just advice
Access to real estate-focused mezz funds and LP equity groups
Flexible underwriting that sees potential beyond raw credit scores
Reg D Private Placement: Your Equity Bridge
Through our network of accredited investors and private capital syndicates, we offer equity participation via Regulation D exemptions — no public offering required. Your deal is matched with qualified capital that understands development timelines, asset classes, and risk.
You get funded without giving up control, and your equity is treated with the same discipline as institutional partners.
Need Financing for Your Next Commercial Property in Tennessee?
Financely helps real estate sponsors secure full capital stacks — construction, mezzanine, and equity — so you can close faster with just 5%–10% down. Submit your deal or book a call today.
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using oursecure intake form, and receive a quotewithin 1-3 business days. Existing clients can connect with theirrelationship managerthrough oursecure web portal.
All submissions arepromptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500
is required upon completion of each form. This fee covers the time and effort we invest in reviewing
your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those
that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address
the challenge of global transaction risk through structured strategies that foster cross-border
growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive
ventures. We mitigate capital constraints by isolating project assets and focusing on risk
management. Provide your details to receive a structure that drives growth and maximizes returns.
Secure financing for business or real estate acquisitions. We ease transaction hurdles by
reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized
proposal that supports your strategic investment objectives.
Financely assists banks facing Basel III pressures by distributing trade finance deals and
providing collateral for letters of credit. We reduce capital burdens while preserving client
relationships and fostering service expansion. Submit your request to optimize your trade finance
offerings.
Once we receive your submission, our team will review your information to determine feasibility. If
eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ
and Procedure
pages for more information.
Disclaimer:
Financely provides financing based on due diligence and feasibility.
Approval is not guaranteed, and past performance does not predict future outcomes. All terms are
subject to review. Financely primarily assists with structuring and distribution. Qualified parties
carry out the project if the client approves the proposal.
Still Have Questions? Schedule a Consultation
If you still have questions after visiting ourFAQandProcedurepages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.
Important Resources
Popular Services
About Financely
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Trade Finance
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
LCs and Confirmations
SBLC and Guarantees
AR/AP and Supply Chain
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue.
See our FAQ
and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as anexempt foreign private adviserpursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Clickhereto download our brochure.